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Fob off letter

I have recently sent a copy of MSE template letter to MBNA, Capital One and HFC Bank requesting a copy of my credit agreement. I have received a response from Capital One & HFC I assume MBNA’s response will be the same. “ As you are aware the bank is not required to provide information under section 78 of the Consumer Credit Act when a credit card agreement has been closed with a nil balance”

I feel that this is a fob off letter however, I am not to sure what my next move is.

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